Hingham Institution for Savings Balance Sheet Health
Financial Health criteria checks 5/6
Hingham Institution for Savings has total assets of $4.4B and total equity of $421.7M. Total deposits are $2.5B, and total loans are $3.9B. It earns a Net Interest Margin of 1.2%. It has sufficient allowance for bad loans, which are currently at 0.04% of total loans. Cash and short-term investments are $7.1M.
Key information
10.6x
Asset to equity ratio
1.2%
Net interest margin
| Total deposits | US$2.46b |
| Loan to deposit ratio | High |
| Bad loans | 0.04% |
| Allowance for bad loans | Sufficient |
| Current ratio | Low |
| Cash & equivalents | US$7.15m |
Recent financial health updates
No updates
Recent updates
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Financial Institutions Analysis
Asset Level: HS3's Assets to Equity ratio (10.6x) is moderate.
Allowance for Bad Loans: HS3 has a sufficient allowance for bad loans (1661%).
Low Risk Liabilities: 61% of HS3's liabilities are made up of primarily low risk sources of funding.
Loan Level: HS3 has an appropriate level of Loans to Assets ratio (87%).
Low Risk Deposits: HS3's Loans to Deposits ratio (157%) is high.
Level of Bad Loans: HS3 has an appropriate level of bad loans (0%).